Hi I have 4 cards totaling $42,000 they are about 4 months late I had lost my job went that whole time on unemployment. Luckily I found a job started in mid May I make around $41,000 a year. I was making $68,000. My question to you is I would like to do a dept settlement with a company rather then BK because I own a car value $9000 and a Motorcycle value $10,000 If I do a chapter 7 I risk the chance of losing them. Can I do a chapter 13 with this income and keep those items? Is there a means test on a chapter 13 to even see if you quilfy to be put in the program?